Florists Insurance

Keeping your stock fresh is important in the daily running of your business. The right insurance policy will help to keep your doors open and your stock protected.

We’re passionate about helping florists like Flourish in Manchester (pictured above) protect their shops. For most quotations we are able to compare the offerings from a panel of UK based insurers, who provide cover for florists through their retail insurance policies. We have a team of experienced sales representatives who are available to offer advice and guidance on the type of cover a florist typically needs, along with finding a competitive premium that meets your requirements.    

  If you find your business needs are considered to be outside of the usual areas covered by the insurers’ products, then we can still usually offer help. This includes:

• Premises with flat roofs.
• Risks with high sums insured.
• Start-up businesses.
• Proposals that have had large claims (including fire or flood).

Please note we are unable to offer quotations to businesses located in Northern Ireland.

Why Insurance is Important for Florists

When it comes to running your own business, it may seem that there aren’t enough hours in the day to do everything you need to do. However, one thing that you should never overlook is business insurance. The insurance we provide aims to protect the florist’s business and essentially their livelihood.    

You may feel that you have planned for all the possible issues that could arise, however there is always a chance that something will crop up and take you by surprise. By having the right level of cover you can protect yourself, your staff, and your business should the unforeseen happen. Typically protection for florists will include cover for buildings and contents, public liability, loss of money, goods in transit, business interruption, and employers liability.

Speak with an insurance expert about your business and they can help you to understand what cover you may need for your business, so that should the unfortunate happen and you need to make a claim, your business will be protected.

About the Florist Industry

Flowers can make the celebration of those special and memorable occasions in your life. Perhaps this is why the floristry industry continues to thrive. While there are specialist florist providers and retailers selling flowers too, there are still many independent florists on the “high street”.

They come in a variety of types from sole trader florists working alone, to those that own their own premises, and employ staff. Weddings, birthdays, get-well-soon wishes or even just to say that you are thinking of someone, a beautiful bouquet of freshly cut flowers delivered to you is a wonderful surprise.

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^{* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.}

_{** Standard and optional cover may differ dependent upon insurer.} 

_{*** Data compared from 105 policies sold in 2019.}